CFPB Consumer Complaint Profile
J&L Collection Services
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 29
- Total complaints
- Mid-range
- 0
- Last 12 months
- 96.6%
- Timely response
- Below median
- 4
- States affected
The verdict
By CFPB complaint volume, J&L Collection Services is #2382 out of 3,843 financial companies. On response speed it sits at the 36th percentile among companies with 100+ complaints.
- Debt collection
- most-complained product
- CA
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
J&L Collection Services vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
96.6% Around the middle higher than 36% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 10 |
| 2016 | 2 |
| 2017 | 12 |
| 2018 | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for J&L Collection Services
The CFPB Consumer Complaint Database shows a geographically concentrated complaint footprint for J&L Collection Services, with consumers across the country filing against it. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Cont'd attempts collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, the timely-response measure shows how often forwarded complaints get a reply. This company's rate is at or above the industry benchmark, which suggests its intake and escalation processes are functioning as designed. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for J&L Collection Services: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (7.7% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does J&L Collection Services have?
29 complaints have been filed against J&L Collection Services with the CFPB overall - 0 of them in the past year.
Does J&L Collection Services respond to complaints on time?
J&L Collection Services's CFPB timely-response rate is 96.6%. That is a strong response record by CFPB standards.
What product generates the most complaints for J&L Collection Services?
"Debt collection" draws more CFPB complaints against J&L Collection Services than any other product - see the full breakdown above.
What is the most common complaint issue with J&L Collection Services?
The most common issue reported by consumers about J&L Collection Services is "Cont'd attempts collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against J&L Collection Services?
You can file a complaint against J&L Collection Services directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about J&L Collection Services?
Consumers in 4 states and territories have filed complaints about J&L Collection Services with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.